1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use this website.

2. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on this website. Your continued use of this website after any changes indicates your acceptance of the new Terms.

3. Privacy Policy

Our Privacy Policy describes how we handle the information you provide to us when you use this website. You agree to the collection, use, and sharing of your information as outlined in our Privacy Policy.

4. SMS Communications

Claim.MD may send SMS messages to users for the sole purpose of two-factor authentication (2FA) and security alerts. By providing your mobile number you consent to receive such messages. Message frequency depends on your account activity and security settings.

Opt-Out: You can opt out of receiving SMS messages at any time by replying STOP to any message you receive. After opting out, you will receive a confirmation message, and you will no longer receive SMS communications from Claim.MD. Note: Opting out may impact your ability to securely access your account if SMS 2FA is your only configured authentication method.

Fees: Claim.MD does not charge for SMS messages; however, standard message and data rates may apply from your mobile carrier. Please consult your wireless service provider for details.

Supported Carriers: SMS services are supported on most U.S. carriers including but not limited to AT&T, Verizon, T-Mobile, and Sprint. Message delivery is subject to carrier availability, and Claim.MD is not responsible for delays or failures caused by carrier networks.

Data Privacy: All SMS messages are sent in accordance with our Privacy Policy and applicable data protection regulations. Your phone number will only be used for authentication and security notifications and will never be shared with third parties for marketing purposes. Changes to SMS Terms: Claim.MD may update this SMS section from time to time.

5. Access and Use of This Website

• To personalize your experience on our website.
• To improve our website's functionality and performance.
• To provide targeted advertising based on your interests and browsing behavior.
• To communicate with you for marketing and promotional purposes.

6. Intellectual Property Rights

The content on this website, including text, graphics, images, and software, is the property of Claim.MD or its licensors and is protected by copyright and other intellectual property laws.

7. Links to Other Websites

This website may contain links to third-party websites or services that are not owned or controlled by Claim.MD. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

8. Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis. Claim.MD makes no representations or warranties of any kind, whether express or implied, as to the operation of this website or the information, content, materials, or products included on this website.

9. Limitation of Liability

Claim.MD will not be liable for any damages of any kind arising from the use of this website or from any information, content, materials, or products included on or otherwise made available to you through this website.

10. Termination

Claim.MD may terminate or suspend your access to this website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

11. Indemnification

You agree to indemnify and hold harmless Claim.MD and its directors, officers, employees, and agents from any and all claims, liabilities, damages, and expenses arising from your use of this website not in accordance with these Terms or your violation of any law or the rights of a third party.

12. Dispute Resolution

Any disputes arising out of or related to these Terms will be handled through final and binding arbitration under the rules of arbitration of the American Arbitration Association (AAA) in Santa Fe, New Mexico.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of New Mexico, U.S.A., without regard to its conflict of law provisions.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable.

15. Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and Claim.MD's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

16. Assignment

These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Claim.MD without restriction.

17. Entire Agreement

These Terms constitute the entire agreement between you and Claim.MD regarding the use of this website, and supersede and replace any prior agreements we might have had between us regarding this website.

18. Contact Us

If you have any questions about these Terms, please contact us at legal@claim.md.